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Htan To Village
Located in Central Myanmar’s Yasagyo township, this community currently has 30 village customers, including 5 CBO (Community Based Organization) committee members who help to lead the loan program in the area. This village is located in Myanmar's dry zone, where insufficient rainfall is very common. Most villagers are Buddhist and struggle finding access to affordable credit, as the state-owned agricultural bank is not active in the area.

A new loan would enable borrowers to buy quality chickpeas, sesame, pigeon peas, and millet seeds. It would also cover the $10 per day in diesel fees that villagers must pay when hiring a tractor. Villagers must lease tractors during planting and harvesting seasons because many of the young people that they would hire as laborers have migrated to the cities in search of employment. To supplement farming incomes, some villagers weave fabrics and work as masons.

Pictured above are the committee members from the Htan Toe Village CBO: U Sein, U Htay, U Aung, U Htay and Daw Ohn. Included in the photo (middle) is 58- year-old U Sein, the father of five children. He purchased chickpea and pigeon pea seeds with his past loan and hopes to buy additional seeds with his new loan.

Additional Information

More information about this loan

This loan will be facilitated through Proximity Designs network of Community Based Organizations (CBOs) in order to support rural farmers in Myanmar’s Delta and Dry Zone regions.  Proximity worked closely with CBOs to provide relief services after Cyclone Nargis and to support village infrastructure projects.
CBOs also play a key role in providing access to microcredit.  In this model, CBO committee members support Proximity loan officers throughout the entire loan cycle. They assist in selecting village borrowers and also act as formal representatives during loan disbursement, collection of repayments and other communications. CBO committee members appear in Kiva profiles – often alongside village borrowers – as representatives of the community.
Since families rely heavily on income from farming to support their livelihoods, these loans are structured with a single bullet repayment at the end of the loan term. The timing aligns with expected harvest season when borrowers will be able to repay. All community members who receive financing through the CBO model must repay their portion of the loan before a village will be eligible to receive new funding. 

About Proximity Designs:

Proximity Designs is a non-profit social enterprise that offers loan products to help small, low income farmers increase their productivity and income. There are around 12 million farmers in Myanmar who make up more than a third of the labor force. The majority of these farmers have virtually no access to formal credit institutions.

In the absence of other financing opportunities, most small farmers in Myanmar are unable to afford the equipment, material, and labor necessary to grow their crops without the help of Proximity Designs. Kiva funding will be used to help Proximity Designs expand its agricultural microfinance operation and reach more low income, rural farmers.


About Myanmar (Burma)

  • $1,700
    Average annual income
  • 3
    View loans »
    Myanmar (Burma) Loans Fundraising
  • $1,175,525
    Funds lent in using Kiva
  • 973.0
    Myanmar Kyats (MMK) = $1 USD

Success!! The loan was 100% repaid

A loan of $5,150 helped Htan To Village to help 30 villagers buy quality crop inputs and diesel to power a tractor.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Sep 29, 2014
Aug 20, 2014
Currency Exchange Loss:
Feb 17, 2015